Call reports 2025
FIRST STATE BANK OF THE SOUTH, INC. — 2025
What FIRST STATE BANK OF THE SOUTH, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 133,683,000 | 131,296,000 | 126,911,000 | 130,228,000 |
| Total loans | 59,221,000 | 58,448,000 | 59,784,000 | 61,058,000 |
| Allowance for loan losses | 612,000 | 610,000 | 608,000 | 611,000 |
| Securities available for sale | 45,873,000 | 49,116,000 | 48,766,000 | 47,838,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,553,000 | 108,621,000 | 105,644,000 | 109,115,000 |
| Interest-bearing deposits | 84,282,000 | 82,703,000 | 79,701,000 | 83,058,000 |
| Noninterest-bearing deposits | 27,271,000 | 25,918,000 | 25,943,000 | 26,057,000 |
| Equity capital | 17,786,000 | 18,410,000 | 19,362,000 | 19,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,636,000 | 3,287,000 | 4,950,000 | 6,631,000 |
| Interest expense | 558,000 | 1,124,000 | 1,662,000 | 2,180,000 |
| Net interest income | 1,078,000 | 2,163,000 | 3,288,000 | 4,451,000 |
| Noninterest income | 179,000 | 349,000 | 621,000 | 780,000 |
| Noninterest expense | 881,000 | 1,759,000 | 2,654,000 | 3,527,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 376,000 | 753,000 | 1,255,000 | 1,701,000 |
| Income tax | 75,000 | 149,000 | 230,000 | 321,000 |
| Net income | 301,000 | 604,000 | 1,025,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,129,000 | 20,431,000 | 20,853,000 | 20,695,000 |